Personal loans for buying a house can reach up to 70%. According to the regulations, the minimum down payment ratio for purchasing the first suite is 30%, and the maximum loan amount does not exceed 70% of the value of the purchased property. If you buy a second suite, the minimum down payment ratio is 40%, and the maximum loan amount does not exceed 60% of the value of the purchased property.

Housing loan conditions

1. The borrower has good credit, the ability to repay the loan principal and interest, and a stable occupation and income; The purchased house is located in a town (including urban area, county town and big market town), and in principle it is the borrower's current residence or place of work and business;

2. Sign a commercial housing sales contract and pay the down payment ratio stipulated by the bank according to the personal credit situation, with a minimum of more than 30%;

3. The loan amount is determined according to the borrower's credit status, occupation, education level, repayment ability and the liquidity of the purchased house.

4. Agree to go through the mortgage registration of pre-purchased commercial housing first, and promise to use the purchased house as loan mortgage and go through the mortgage registration formalities again after the purchased house is completed and the real estate license is obtained.

Housing loan method

1, mortgage to mortgage: the so-called mortgage job-hopping is "mortgage to mortgage". Refers to the new loan bank to help customers find a guarantee company, pay off the money of the original loan bank, and then re-apply for a loan at the new loan bank. If your current bank can't give you a 30% discount on mortgage interest, you can totally jump ship and find an affordable bank.

2. Repayment of provident fund: When applying for portfolio loans to buy a house, on the one hand, make full use of provident fund loans, extend the loan life as much as possible, and greatly reduce the monthly repayment amount of provident fund while enjoying the benefits of low interest rates; Shorten the life of commercial loans to a great extent, and increase the monthly repayment amount of commercial loans as much as possible within the family's economic affordability.

3. Commercial loans, that is, loans are issued at the benchmark interest rate issued by banks. Banks will fluctuate, and there will be concessions and increases. This kind of loan is more common, but the disadvantage is that the loan interest rate is higher. Matching principal and interest repayment pays more interest on repayment, but it is relatively less in average capital. However, in average capital, the repayment amount in the early stage is higher and the repayment pressure is greater.